目前國內文獻對個人預期退休年齡的研究多由個人經濟面因素探討相關之議題，而近年來國外已經開始延伸探討家庭社會面因素對個人預期退休行為之影響，學者更提出研究家庭因素與個人預期退休行為之關係將成為未來十年退休研究之主流議題。本文以行政院主計處民國八十六年十月份「人力資源調查附帶工作經驗調查資料」依戶號整理為各家戶資料後作為研究對象，首先探討家戶內各家庭成員之因素是否對個人預期退休年齡有所影響；並將家戶資料依各種家庭結構予以分類做分群討論，觀察家庭因素在不同家庭型式下對個人預期退休年齡的影響程度是否存在差異；再者，若家戶內的個人具有配偶，個人與其配偶預期退休年齡的決定是否有正向互動的關係；此外，本文進一步探討個人之家庭經濟負擔比率其如何對個人退休時點之選擇造成影響。實證結果顯示，家庭因素對個人預期退休年齡之決定確實會有影響；且隨著家庭型式的不同，影響的程度也會有所不同。配偶之預期退休年齡對個人的退休決定存在外溢效果，因此個人會傾向與配偶同時退休。另外，若個人須承擔之家庭經濟負擔越大時，則其會延後個人預期退休年齡之決定。

The current documents of personal expectancy of retirement age mainly emphasize on personal economic factors, but recently, other countries have already extended its research to discuss about the household and social factors’ impact on the expectancy of retirement age. Moreover, scholars have indicated that research on the relationship between household factors and the personal expectancy of retirement age will be the mainstream of retirement research for the next decade.
In this essay, we use the “Human Resource Survey plus Work Experience Survey Data” in Oct, 1997 by Directorate-General of Budget, Accounting, Statistics, Executive Yuan, which takes each household as its research subject according to the household number.
First of all, we discuss about if the household member factors will have an impact on the personal expectancy of retirement age. Then, we classify the census data by each household structure to discuss them by group. And we observe if the influence level of household factors in each household type on the personal expectancy of retirement age have a difference. Further, if the individual in the household has a spouse, we discuss whether the individual’s and its spouse’s decisions on the expectancy of retirement age have the positively interacting relations. In addition, this essay further explores how the personal financial condition forms an influence on the timing of the personal expectancy of retirement age choice.
According to the empirical result, the household factors do have an impact on the decision of person’s expectancy of retirement age. As the household type differs, the level of influence differs. The spouse’s expectancy of retirement age has spillover effect on the decision of a person’s retirement age, thus, the individual would incline to retire with his or her spouse at the same time. Besides, if a person has to carry more family financial responsibilities, he or she would postpone the decision of its expectancy of retirement age.

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